{"id":1283,"date":"2025-06-29T17:17:26","date_gmt":"2025-06-29T17:17:26","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1283"},"modified":"2025-06-23T12:37:51","modified_gmt":"2025-06-23T12:37:51","slug":"why-your-savings-disappear-and-how-to-stop-it","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/why-your-savings-disappear-and-how-to-stop-it\/","title":{"rendered":"Why Your Savings Disappear and How to Stop It?"},"content":{"rendered":"\n<p>You diligently set aside money each month, only to find your bank balance barely budged\u2014or worse, shrank\u2014by the end of the year. You\u2019re not alone. India\u2019s household savings rate plunged to <strong>18.1% of GDP<\/strong> in FY\u202f2023\u201124, down from <strong>32.2%<\/strong> in FY\u202f2014\u201115, reflecting a troubling three\u2011year slide in how much families tuck away for the future. Meanwhile, retail inflation eased to <strong>2.82%<\/strong> in May\u202f2025, but even low inflation can quietly nibble at the value of your cash unless you fight back. Add rising personal loan growth (14.2% in January\u202f2025) and shrinking consumer spending (down from \u20b928.43\u202ftrn in Q4\u202f2024 to \u20b927.20\u202ftrn in Q1\u202f2025), and it\u2019s easy to see why many struggle to build a nest egg.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. The Vanishing Act: Where Does Your Money Go?<\/strong><\/h2>\n\n\n\n<p>Before you can stop savings from disappearing, understand the main culprits:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Inflation\u2019s Erosion<\/strong><strong><br><\/strong> Even at <strong>2.82%<\/strong>, everyday price rises on groceries, utilities, and services quietly erode what your rupee can buy over time.<br><\/li>\n\n\n\n<li><strong>Lifestyle Creep<\/strong><strong><br><\/strong> As incomes rise, spending often does too\u2014on dining out, gadgets, subscriptions, and travel\u2014without extra savings to match.<br><\/li>\n\n\n\n<li><strong>Debt Servicing<\/strong><strong><br><\/strong> Personal loans in India grew <strong>14.2%<\/strong> year\u2011on\u2011year in January\u202f2025, diverting more take\u2011home pay to EMIs rather than savings.<br><\/li>\n\n\n\n<li><strong>Impulse &amp; Digital Spending<\/strong><strong><br><\/strong> One\u2011click e\u2011commerce, food\u2011delivery apps, and buy\u2011now\u2011pay\u2011later schemes make small purchases addictive and hard to track.<br><\/li>\n\n\n\n<li><strong>Lack of Budget &amp; Goals<\/strong><strong><br><\/strong> Without a clear plan, money slips through the cracks\u2014unused subscriptions, spontaneous splurges, and missed opportunities for automation.<br><\/li>\n<\/ul>\n\n\n\n<p>Each of these factors chips away at your corpus. The good news? All are fixable with awareness and a few simple habits.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. Common Culprits in Detail<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.1 Inflation: The Silent Thief<\/strong><\/h3>\n\n\n\n<p>While India\u2019s wholesale inflation hit a <strong>14\u2011month low of 0.39%<\/strong> in May\u202f2025, driven by falling food and fuel prices, retail inflation still hovers near 3%. That means a \u20b9100 grocery basket costs \u20b9103 a year later\u2014eroding your real returns if your savings just lie idle in a zero\u2011interest account.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.2 Lifestyle Creep: Upgrading Without Upsizing Savings<\/strong><\/h3>\n\n\n\n<p>Got a raise? Chances are your dinner choices, weekend getaways, and gadget budgets jump first\u2014before you boost your savings rate. Left unchecked, this \u201cincreased comfort\u201d becomes the new normal, stalling your wealth goals.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.3 Debt Servicing: High\u2011Cost vs. Low\u2011Cost Loans<\/strong><\/h3>\n\n\n\n<p>Home loans are now cheaper\u2014banks like SBI offer EBLR\u2011linked rates around <strong>7.75%<\/strong> after repo cuts\u2014but credit cards and personal loans still charge <strong>18\u201324%<\/strong> interest. Servicing high\u2011cost debt can wipe out any gains from your modest savings.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.4 Impulse Buying &amp; Subscription Creep<\/strong><\/h3>\n\n\n\n<p>From \u20b949 streaming apps to \u20b9299 food orders, small recurring spends add up. In fact, discretionary digital spending surged 20% in FY\u202f2024\u201125 as per CMS Consumption Report, with consumers favoring product\u2011based splurges over experiences.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.5 Absence of a Clear Budget or Goals<\/strong><\/h3>\n\n\n\n<p>Without a written budget and defined targets\u2014emergency fund, child\u2019s education, retirement\u2014money wanders aimlessly. Research shows that people with concrete financial goals save on average 31% more than those without.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Step\u202f1: Track Every Rupee with a Simple Budget<\/strong><\/h2>\n\n\n\n<p><strong>Goal:<\/strong> Know exactly where your money goes.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Choose a Method:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Spreadsheet<\/strong>: List income, fixed expenses (rent, EMIs), variable expenses (food, fuel), and discretionary spends (dining, subscriptions).<br><\/li>\n\n\n\n<li><strong>Budgeting App<\/strong>: Tools like Walnut, Money View, or Finart let you auto\u2011sync bank and card transactions for real\u2011time tracking.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Categorize Expenses:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Needs (50%)<\/strong>: Essential living costs\u2014rent, groceries, utilities, EMIs for low\u2011cost debt.<br><\/li>\n\n\n\n<li><strong>Wants (30%)<\/strong>: Dining out, entertainment, travel.<br><\/li>\n\n\n\n<li><strong>Savings &amp; Investments (20%)<\/strong>: Pre-commit this portion first (the \u201cpay\u2011yourself\u2011first\u201d rule).<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Review Weekly:<\/strong><strong><br><\/strong> Spend 10 minutes each Sunday checking your actual vs. budgeted spends. Adjust categories if you consistently overshoot.<br><\/li>\n\n\n\n<li><strong>Find the Leaks:<\/strong><strong><br><\/strong> Identify recurring small charges\u2014streaming services you never use, monthly e\u2011commerce credits you forget\u2014and cancel or consolidate.<br><\/li>\n<\/ol>\n\n\n\n<p>By shining a light on every rupee, budgeting stops surprise \u201cwhere did it go?\u201d moments at month\u2011end.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Step\u202f2: Build &amp; Protect Your Emergency Cushion<\/strong><\/h2>\n\n\n\n<p><strong>Goal:<\/strong> Prevent dipping into long\u2011term savings for short\u2011term needs.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Size Matters:<\/strong> Aim for <strong>6 months<\/strong> of living expenses parked in liquid instruments.<br><\/li>\n\n\n\n<li><strong>Where to Park:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Ultra\u2011Short Debt Funds:<\/strong> Yields ~6.5%, low volatility.<br><\/li>\n\n\n\n<li><strong>Sweep\u2011in Fixed Deposits:<\/strong> Earn 6\u20137% while keeping liquidity.<br><\/li>\n\n\n\n<li><strong>High\u2011Yield Savings Account:<\/strong> Only if rates exceed 4%.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Use Only for True Emergencies:<\/strong> Medical crises, job loss, urgent repairs\u2014never treat this as \u201cextra spending money.\u201d<br><\/li>\n<\/ul>\n\n\n\n<p>A robust safety net keeps you from raiding retirement or education funds at the first bump in the road.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Step\u202f3: Tackle High\u2011Cost Debt Strategically<\/strong><\/h2>\n\n\n\n<p><strong>Goal:<\/strong> Free up cash flow by eliminating expensive liabilities.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>List Debts by Interest Rate:<\/strong><strong><br><\/strong> Rank from highest (credit cards ~24%) to lowest (home loans ~7.75%).<br><\/li>\n\n\n\n<li><strong>Choose a Repayment Method:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Avalanche:<\/strong> Pay off highest\u2011rate debt first to minimize total interest paid.<br><\/li>\n\n\n\n<li><strong>Snowball:<\/strong> Eliminate smallest balance first for psychological wins.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Negotiate &amp; Transfer:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Convert credit card balances into low\u2011interest personal loans when possible.<br><\/li>\n\n\n\n<li>Ask your bank to transfer high\u2011interest debt onto a home loan top\u2011up at ~8%.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Automate Payments:<\/strong><strong><br><\/strong> Set up auto\u2011debits for EMI schedules to avoid late fees and extra charges.<br><\/li>\n<\/ol>\n\n\n\n<p>As debts vanish, that freed cash becomes fuel for rebuilding your savings.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Step\u202f4: Automate Your Savings &amp; Investments<\/strong><\/h2>\n\n\n\n<p><strong>Goal:<\/strong> Save before you have the chance to spend.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u201cPay\u2011Yourself\u2011First\u201d Rule:<\/strong> Automate transfers of 20\u201330% of your salary into savings\/investment accounts the day you get paid.<br><\/li>\n\n\n\n<li><strong>Systematic Investment Plans (SIPs):<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Start with as little as \u20b91,000\/month in equity or hybrid mutual funds.<br><\/li>\n\n\n\n<li>May\u202f2025 saw record SIP inflows of <strong>\u20b926,688\u202fcrore<\/strong>, proving their power and popularity.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Recurring Deposits &amp; PPF:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>PPF offers <strong>7.1%<\/strong> tax\u2011free returns over 15\u202fyears .<br><\/li>\n\n\n\n<li>RD provides disciplined savings with predictable interest.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Employer\u2011Supported Options:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>If your workplace offers employee stock purchase plans or voluntary provident fund top\u2011ups, enroll automatically.<br><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Automation transforms discipline into default behavior, shielding savings from impulsive whims.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Step\u202f5: Curb Impulse Spending &amp; Mindful Buying<\/strong><\/h2>\n\n\n\n<p><strong>Goal:<\/strong> Make each purchase intentional.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The 24\u2011Hour Rule:<\/strong> For non\u2011essentials over \u20b9500, wait a day before pulling the trigger\u2014often the urge passes.<br><\/li>\n\n\n\n<li><strong>Cash\u2011Envelope System (Digital):<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Allocate fixed spending amounts to \u201ce\u2011wallet envelopes\u201d for dining, travel, shopping.<br><\/li>\n\n\n\n<li>When the envelope is empty, you\u2019re done for the month.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Unsubscribe &amp; Uninstall:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Cancel unused subscriptions and remove shopping apps that feed impulse buys.<br><\/li>\n\n\n\n<li>Consider a monthly \u201csubscription audit\u201d to trim costs.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Mindful Metrics:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Rate each purchase on utility and joy from 1\u201310; discard buys scoring below 5.<br><\/li>\n\n\n\n<li>Track your \u201cjoy\u2011per\u2011rupee\u201d to prioritize truly valuable spending.<br><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Mindful spending shifts your focus from instant gratification to long\u2011term satisfaction and security.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Step\u202f6: Set Clear Financial Goals &amp; Deadlines<\/strong><\/h2>\n\n\n\n<p><strong>Goal:<\/strong> Turn abstract aspirations into concrete targets.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Specific:<\/strong> \u201cSave \u20b93\u202flakhs for vacation\u201d vs. \u201csave more.\u201d<br><\/li>\n\n\n\n<li><strong>Measurable:<\/strong> Track progress monthly\u2014e.g., \u20b925,000\/month.<br><\/li>\n\n\n\n<li><strong>Achievable:<\/strong> Align with your income and expenses.<br><\/li>\n\n\n\n<li><strong>Relevant:<\/strong> Tie goals to real priorities\u2014kids\u2019 education, home down\u2011payment.<br><\/li>\n\n\n\n<li><strong>Time\u2011Bound:<\/strong> \u201cBy December\u202f2025\u201d or \u201cin 12\u202fmonths.\u201d<br><\/li>\n<\/ol>\n\n\n\n<p>Use visual trackers\u2014thermometer charts, goal\u2011setting apps\u2014to celebrate milestones and stay motivated. Research shows goal\u2011setters save 42% more than non\u2011goal\u2011setters.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Step\u202f7: Invest Wisely to Outpace Inflation<\/strong><\/h2>\n\n\n\n<p><strong>Goal:<\/strong> Prevent savings from losing value over time.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Equity Mutual Funds:<\/strong><strong><br><\/strong> Aim for <strong>10\u201312%<\/strong> annualized returns over 5+ years. Diversify across large\u2011cap, flexi\u2011cap, and mid\u2011cap schemes.<br><\/li>\n\n\n\n<li><strong>Debt Instruments:<\/strong><strong><br><\/strong> Mix PPF (7.1%), high\u2011quality corporate bonds (yielding 7\u20138%), and dynamic bond funds.<br><\/li>\n\n\n\n<li><strong>Gold &amp; Alternatives:<\/strong><strong><br><\/strong> Allocate <strong>5\u201310%<\/strong> to gold ETFs or Sovereign Gold Bonds (for inflation hedging) and REITs (for rental\u2011yield exposure).<br><\/li>\n\n\n\n<li><strong>Global Diversification:<\/strong><strong><br><\/strong> A <strong>10\u201315%<\/strong> tilt to international funds captures growth in tech, healthcare, and stable developed markets.<br><\/li>\n<\/ul>\n\n\n\n<p>Building a balanced portfolio ensures your savings grow faster than inflation, preserving and increasing your purchasing power.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Step\u202f8: Review, Rebalance &amp; Adapt<\/strong><\/h2>\n\n\n\n<p><strong>Goal:<\/strong> Keep your plan aligned with life &amp; market changes.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Quarterly Quick\u2011Checks:<\/strong><strong><br><\/strong> Ensure no category drifts more than <strong>5%<\/strong> from target allocation.<br><\/li>\n\n\n\n<li><strong>Annual Deep Dives:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Revisit goals, net worth, and risk tolerance.<br><\/li>\n\n\n\n<li>Update budgets for salary hikes, new expenses, or shifting priorities.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Life Events &amp; Market Shifts:<\/strong><strong><br><\/strong> Marriage, a new child, job change, or major market movements (like RBI rate cuts) warrant plan tweaks. For example, after the RBI\u2019s 50\u202fbps cut to <strong>5.50%<\/strong> repo in June\u202f2025, you might refinance loans and redirect savings to higher\u2011yield investments.<br><\/li>\n<\/ul>\n\n\n\n<p>Periodic calibration turns a static budget into a living, breathing roadmap.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>Watching your savings evaporate is frustrating, but understanding why\u2014and following a proven, data\u2011backed roadmap\u2014lets you take back control. By tracking every rupee, building an iron\u2011clad emergency fund, slaying high\u2011cost debt, automating savings, curbing impulse splurges, setting clear goals, investing ahead of inflation, and regularly rebalancing, you transform scattered rupees into a thriving nest egg. Start today: pick one step, implement it, and keep stacking these habits until your savings grow\u2014steadily, surely, and stress\u2011free.<br><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You diligently set aside money each month, only to find your bank balance barely budged\u2014or worse, shrank\u2014by the end of the year. You\u2019re not alone. India\u2019s household savings rate plunged to 18.1% of GDP in FY\u202f2023\u201124, down from 32.2% in FY\u202f2014\u201115, reflecting a troubling three\u2011year slide in how much families tuck away for the future. Meanwhile, retail inflation eased to 2.82% in May\u202f2025, but even low inflation can quietly nibble at the value of your cash unless you fight back. Add rising personal loan growth (14.2% in January\u202f2025) and shrinking consumer spending (down from \u20b928.43\u202ftrn in Q4\u202f2024 to \u20b927.20\u202ftrn in Q1\u202f2025), and it\u2019s easy to see why many struggle to build a nest egg. 1. The Vanishing Act: Where Does Your Money Go? Before you can stop savings from disappearing, understand the main culprits: Each of these factors chips away at your corpus. The good news? All are fixable with awareness and a few simple habits. 2. Common Culprits in Detail 2.1 Inflation: The Silent Thief While India\u2019s wholesale inflation hit a 14\u2011month low of 0.39% in May\u202f2025, driven by falling food and fuel prices, retail inflation still hovers near 3%. That means a \u20b9100 grocery basket costs \u20b9103 a year later\u2014eroding your real returns if your savings just lie idle in a zero\u2011interest account. 2.2 Lifestyle Creep: Upgrading Without Upsizing Savings Got a raise? Chances are your dinner choices, weekend getaways, and gadget budgets jump first\u2014before you boost your savings rate. Left unchecked, this \u201cincreased comfort\u201d becomes the new normal, stalling your wealth goals. 2.3 Debt Servicing: High\u2011Cost vs. Low\u2011Cost Loans Home loans are now cheaper\u2014banks like SBI offer EBLR\u2011linked rates around 7.75% after repo cuts\u2014but credit cards and personal loans still charge 18\u201324% interest. Servicing high\u2011cost debt can wipe out any gains from your modest savings. 2.4 Impulse Buying &amp; Subscription Creep From \u20b949 streaming apps to \u20b9299 food orders, small recurring spends add up. In fact, discretionary digital spending surged 20% in FY\u202f2024\u201125 as per CMS Consumption Report, with consumers favoring product\u2011based splurges over experiences. 2.5 Absence of a Clear Budget or Goals Without a written budget and defined targets\u2014emergency fund, child\u2019s education, retirement\u2014money wanders aimlessly. Research shows that people with concrete financial goals save on average 31% more than those without. Step\u202f1: Track Every Rupee with a Simple Budget Goal: Know exactly where your money goes. By shining a light on every rupee, budgeting stops surprise \u201cwhere did it go?\u201d moments at month\u2011end. Step\u202f2: Build &amp; Protect Your Emergency Cushion Goal: Prevent dipping into long\u2011term savings for short\u2011term needs. A robust safety net keeps you from raiding retirement or education funds at the first bump in the road. Step\u202f3: Tackle High\u2011Cost Debt Strategically Goal: Free up cash flow by eliminating expensive liabilities. As debts vanish, that freed cash becomes fuel for rebuilding your savings. Step\u202f4: Automate Your Savings &amp; Investments Goal: Save before you have the chance to spend. Automation transforms discipline into default behavior, shielding savings from impulsive whims. Step\u202f5: Curb Impulse Spending &amp; Mindful Buying Goal: Make each purchase intentional. Mindful spending shifts your focus from instant gratification to long\u2011term satisfaction and security. Step\u202f6: Set Clear Financial Goals &amp; Deadlines Goal: Turn abstract aspirations into concrete targets. Use visual trackers\u2014thermometer charts, goal\u2011setting apps\u2014to celebrate milestones and stay motivated. Research shows goal\u2011setters save 42% more than non\u2011goal\u2011setters. Step\u202f7: Invest Wisely to Outpace Inflation Goal: Prevent savings from losing value over time. Building a balanced portfolio ensures your savings grow faster than inflation, preserving and increasing your purchasing power. Step\u202f8: Review, Rebalance &amp; Adapt Goal: Keep your plan aligned with life &amp; market changes. Periodic calibration turns a static budget into a living, breathing roadmap. Conclusion Watching your savings evaporate is frustrating, but understanding why\u2014and following a proven, data\u2011backed roadmap\u2014lets you take back control. By tracking every rupee, building an iron\u2011clad emergency fund, slaying high\u2011cost debt, automating savings, curbing impulse splurges, setting clear goals, investing ahead of inflation, and regularly rebalancing, you transform scattered rupees into a thriving nest egg. Start today: pick one step, implement it, and keep stacking these habits until your savings grow\u2014steadily, surely, and stress\u2011free. Source : thepumumedia.com<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[15],"tags":[],"class_list":["post-1283","post","type-post","status-publish","format-standard","hentry","category-finance","entry"],"_links":{"self":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1283","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/comments?post=1283"}],"version-history":[{"count":1,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1283\/revisions"}],"predecessor-version":[{"id":1293,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1283\/revisions\/1293"}],"wp:attachment":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/media?parent=1283"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/categories?post=1283"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/tags?post=1283"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}